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Compare annual fees, reward rates, interest/APR, sign-up bonuses, foreign transaction fees, and airport lounge access across multiple banks and countries.

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Feature / Card
Meezan Bank
Zero Annual Fee / Low Fee
•••• •••• •••• 9501
VALID THRU 12/29
Meezan PayPak Debit Card
PAYPAK

Meezan PayPak Debit Card

Meezan Bank
Apply on Bank Site → View Full Review
HBL
Premium & Luxury
•••• •••• •••• 4999
VALID THRU 12/29
HBL Infinite CreditCard
VISA

HBL Infinite CreditCard

Habib Bank Limited (HBL)
Apply on Bank Site → View Full Review
Country & Currency 🇵🇰 Pakistan (PKR - Rs. ) 🇵🇰 Pakistan (PKR - Rs. )
Card Category & Network Zero Annual Fee / Low Fee PAYPAK Premium & Luxury VISA
Annual Fee PKR 2,500 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Domestic Retail & Grocery Discounts across Pakistan 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Linked Account) KIBOR + 13% p.a.
Foreign FX Transaction Fee N/A (Domestic Only) 3.0% + SBP Advance Tax
Airport Lounge Access Standard Access Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing No HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Instant Branch Issuance 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement All Meezan Account Holders High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Domestic Card Discounts: Local merchant and supermarket promotional discounts across Pakistan via Meezan Card Discounts.
  • 100% Domestic Scheme: Settles entirely locally via 1Link, keeping all banking transaction data within Pakistan.
  • Affordable Card Fee: Cost-effective option for basic ATM cash withdrawal and local merchant shopping.
  • 18,000+ Nationwide ATMs: Fully interoperable across all 1Link ATM machines throughout Pakistan.
  • PIN-Protected EMV Chip: Microchip technology safeguarding against skimming and cloning fraud.
  • Unlimited Worldwide Lounges: Free access to 1,200+ airport lounges worldwide via Visa Airport Companion app.
  • 24/7 Visa Infinite Concierge: Priority dining reservations, travel itineraries, and VIP ticketing worldwide.
  • 5X International Points: Accelerated reward points earning on foreign travel, luxury retail, and fine dining.
  • USD 1M Travel Insurance: Comprehensive international travel accident, baggage delay, and medical assistance.
What We Like (Pros)
  • ✓ Economical annual card fee
  • ✓ Economical annual card fee (PKR 2,500)
  • ✓ No international currency markup or SBP advance tax
  • ✓ 100% Halal Shariah compliance
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Cannot be used outside Pakistan or on foreign websites
  • ⚠ High income eligibility threshold (PKR 300,000+)